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Rate 7.99% = 7.24% Freddie Mac 30-yr avg (Oct 29) + 0.75% investor premium

3103 Clearview Cir

3103 Clearview Cir

Sevierville, TN 37862

$525,000

3 bd · 3.5 ba · 2,300 sqft · Listed 1d ago

View on Realtor.com →
Est. land %

Year built

2024

Sqft

2,300

Lot sqft

31,799

HOA / mo

$79

Furnished

No

List date

2026-11-02T20:29:51.000000Z

Revenue

Annual revenue

$59,890

ADR

$277

Occupancy

59%

Cleaning fees (12 mo)

$12,007

Confidence

Low (45.86), 49 comps

Comp revenue range (p25 / median / p75)

$27,068$51,994$69,192

Median revenue of shown comps: $47,897

  • *Amazing 3BD Cabin w/ Theater! Pool + GAMES!*

    Cabin · 3 bd · 3 ba · sleeps 10 · 89 ft

    • Pool
    • A/C
    • Free parking
    • Wifi
    • +4

    Revenue $64,641ADR $253Occ ≈ 70%4.3★ (52)

    AirbnbVrbo

  • Creekside Haven~Pigeon Forge-Smoky Mountains

    House · 3 bd · 3 ba · sleeps 8 · 266 ft

    • Hot tub
    • A/C
    • Pets OK
    • Wifi
    • +4

    Revenue $34,414ADR $250Occ ≈ 38%4.5★ (18)

    AirbnbVrbo

  • Fall Deals! Quiet 3BR*Resort Amenities*Families

    Cabin · 3 bd · 2.5 ba · sleeps 7 · 0.2 mi

    Revenue $22,529ADR $244Occ ≈ 25%4.5★ (7)

    Delisted

  • *Gated Community* Relaxing 3BD Cabin w/ HOT TUB!

    Cabin · 3 bd · 3 ba · sleeps 10 · 0.2 mi

    Revenue $69,544ADR $306Occ ≈ 62%4.8★ (24)

    Airbnb

  • Wellness & Wilderness - 3b/3.5 bath Family Retreat

    Cabin · 3 bd · 3.5 ba · sleeps 10 · 0.2 mi

    • Hot tub
    • Pool
    • A/C
    • Free parking
    • +7

    Revenue $27,465ADR $400Occ ≈ 19%5★ (8)

    AirbnbVrbo

  • Fun & Funner! Mountain view family cabin / Pinball

    Cabin · 3 bd · 2.5 ba · sleeps 8 · 0.2 mi

    • Hot tub
    • A/C
    • Free parking
    • Wifi
    • +5

    Revenue $61,516ADR $461Occ ≈ 37%5★ (73)

    AirbnbVrbo

  • PrivateTreehouse w/Level/Paved Prkng,Hot Tub,Pool!

    Cabin · 3 bd · 3 ba · sleeps 10 · 0.2 mi

    • Hot tub
    • Pool
    • A/C
    • Free parking
    • +6

    Revenue $21,305ADR $450Occ ≈ 13%5★ (12)

    Airbnb

  • Whispering Oak

    Vacation home · 3 bd · 3 ba · sleeps 10 · 0.2 mi

    Revenue $25,493ADR $359Occ ≈ 19%—

    Booking

  • Whispering Oak - Hot tub and game room!

    Cabin · 3 bd · 3 ba · sleeps 10 · 0.2 mi

    Revenue $104,722ADR $372Occ ≈ 77%3.5★ (6)

    Airbnb

  • 3 BR w/ New Furniture, Hot Tub, Wi-Fi, Pool Access

    Cabin · 3 bd · 3 ba · sleeps 9 · 0.2 mi

    • Hot tub
    • Pool
    • A/C
    • Free parking
    • +6

    Revenue $69,996ADR $310Occ ≈ 62%4.4★ (129)

    AirbnbVrboBooking

Show 32 more
  • *Amazing 3BD+Loft w/ GAMES! HOT TUB + Pool Access*

    Cabin · 3 bd · 2.5 ba · sleeps 10 · 0.3 mi

    • Hot tub
    • Pool
    • A/C
    • Free parking
    • +5

    Revenue $91,509ADR $370Occ ≈ 68%4.9★ (46)

    AirbnbVrbo

  • Mountaintop Log Cabin with Hot Tub, Pool & Fire Pi

    Cabin · 3 bd · 3 ba · sleeps 6 · 0.3 mi

    • Hot tub
    • Pool
    • A/C
    • Free parking
    • +4

    Revenue $15,109ADR $285Occ ≈ 15%4.8★ (4)

    AirbnbVrboBooking

  • 3BR Gated Getaway・Private Hot Tub・Resort Access

    Cabin · 3 bd · 3 ba · sleeps 6 · 0.3 mi

    • Hot tub
    • Pool
    • A/C
    • Free parking
    • +4

    Revenue $38,261ADR $233Occ ≈ 45%4.2★ (11)

    AirbnbVrboBooking

  • Fall Deals! Quiet 3BR*Fireplace*Games*Privacy!

    Cabin · 3 bd · 2.5 ba · sleeps 7 · 0.3 mi

    • Pool
    • A/C
    • Free parking
    • Wifi
    • +4

    Revenue $51,323ADR $238Occ ≈ 59%4.8★ (90)

    AirbnbVrbo

  • New Cabin - Dollywood - Gatlinburg - Smokies - View! - Hot Tub - Pigeon Forge

    Cabin · 3 bd · 3 ba · sleeps 6 · 0.3 mi

    Revenue $50,588ADR $348Occ ≈ 40%—

    Delisted

  • 3BR w/ hot tub, games, & free attraction tickets

    Cabin · 3 bd · 3 ba · sleeps 6 · 0.3 mi

    Revenue $34,280ADR $300Occ ≈ 31%4.9★ (5)

    AirbnbBooking

  • Whispering Oak

    Cabin · 3 bd · 3 ba · sleeps 10 · 0.3 mi

    • Hot tub
    • Pool
    • A/C
    • Free parking
    • +5

    Revenue $26,132ADR $424Occ ≈ 17%4.5★ (7)

    AirbnbVrbo

  • My Runaway Wagon Retreat - Hot Tub & Mountain View

    Cabin · 3 bd · 3.5 ba · sleeps 10 · 0.3 mi

    • Hot tub
    • Pool
    • A/C
    • Free parking
    • +6

    Revenue $45,565ADR $324Occ ≈ 39%4.6★ (34)

    AirbnbVrboBooking

  • New Cabin - Views! - Smokies - Hot tub - Game Room - Full Kitchen - Gatlinburg

    Cabin · 3 bd · 2.5 ba · sleeps 6 · 0.3 mi

    Revenue $39,635ADR $347Occ ≈ 31%5★

    Delisted

  • UNFORGETTABLE VIEWS⭐️Private⭐️Hot Tub⭐️Nature

    Cabin · 3 bd · 3 ba · sleeps 9 · 0.3 mi

    • Hot tub
    • Pool
    • A/C
    • Free parking
    • +5

    Revenue $67,680ADR $277Occ ≈ 67%5★ (315)

    AirbnbVrbo

  • Fully-Equipped Luxury Cabin with Stunning Views of the Great Smoky Mountains, Tennessee

    Cabin · 3 bd · 3 ba · sleeps 6 · 0.3 mi

    Revenue $24,177ADR $602Occ ≈ 11%—

    Booking

  • 3 BR w/ Mountain Views and Privacy, Hot Tub, WiFi

    Cabin · 3 bd · 3 ba · sleeps 6 · 0.3 mi

    • Hot tub
    • Pool
    • A/C
    • Free parking
    • +5

    Revenue $60,330ADR $300Occ ≈ 55%4.4★ (58)

    AirbnbVrboBooking

  • Valley View

    Cabin · 3 bd · 2.5 ba · sleeps 8 · 0.3 mi

    • Hot tub
    • Pool
    • A/C
    • Free parking
    • +6

    Revenue $38,527ADR $197Occ ≈ 54%4.5★ (87)

    AirbnbVrbo

  • Tennessee Sunrise | Views, WiFi & King Suites

    Cabin · 3 bd · 3.5 ba · sleeps 6 · 0.3 mi

    • Hot tub
    • Pool
    • A/C
    • Free parking
    • +4

    Revenue $11,493ADR $310Occ ≈ 10%5★ (1)

    AirbnbVrboBooking

  • Rally Point, Creekside retreat in the Smokies`

    Cabin · 3 bd · 2.5 ba · sleeps 6 · 0.3 mi

    • Hot tub
    • A/C
    • Free parking
    • Pets OK
    • +4

    Revenue $50,229ADR $224Occ ≈ 61%4.7★ (222)

    AirbnbVrbo

  • A-Frame Escape | Theater • Game Room • Sleeps 8

    House · 3 bd · 3 ba · sleeps 8 · 0.3 mi

    • Hot tub
    • A/C
    • Wifi
    • Kitchen
    • +4

    Revenue $15,146ADR $423Occ ≈ 10%4.8★ (7)

    Airbnb

  • Paradise View In The Smokies: Views & Resort Pool

    Cabin · 3 bd · 3 ba · sleeps 10 · 0.3 mi

    • Hot tub
    • A/C
    • Free parking
    • Wifi
    • +5

    Revenue $94,611ADR $378Occ ≈ 69%4.5★ (8)

    AirbnbVrbo

  • Paradise View Smokies: Awesome Views, Resort Pool, game room, hot tub, Wi-Fi

    Cabin · 3 bd · 3 ba · sleeps 10 · 0.3 mi

    Revenue $8,685ADR $414Occ ≈ 6%3.8★ (5)

    Delisted

  • 3 BR w/ Fire Pit, WiFi, Game Room, Pool Table

    Cabin · 3 bd · 2.5 ba · sleeps 10 · 0.3 mi

    • Hot tub
    • Pool
    • A/C
    • Free parking
    • +7

    Revenue $90,988ADR $353Occ ≈ 71%5★ (83)

    AirbnbVrboBooking

  • Cozy 3BD Cabin w/ VIEWS! Hot Tub + Great Location!

    House · 3 bd · 2.5 ba · sleeps 10 · 0.4 mi

    Revenue $68,135ADR $276Occ ≈ 68%5★ (21)

    Airbnb

  • 3BR Luxury Cabin W Hot Tub &breathtaking MTN Views

    Cabin · 3 bd · 2.5 ba · sleeps 6 · 0.4 mi

    • Hot tub
    • Pool
    • A/C
    • Free parking
    • +6

    Revenue $31,083ADR $389Occ ≈ 22%5★ (16)

    AirbnbVrbo

  • FreeDollywoodTix + Pool + Secluded + Modern + Hot Tub

    Cabin · 3 bd · 2.5 ba · sleeps 10 · 0.4 mi

    • Hot tub
    • Pool
    • A/C
    • Free parking
    • +6

    Revenue $53,974ADR $284Occ ≈ 52%5★ (30)

    AirbnbVrbo

  • Hatcher Top Hideout By Avada Properties

    Vacation home · 3 bd · 3 ba · sleeps 10 · 0.4 mi

    Revenue $20,133ADR $182Occ ≈ 30%—

    Booking

  • Sunset Ridge | Hot Tub | Arcades | Resort Pool

    House · 3 bd · 3.5 ba · sleeps 10 · 0.4 mi

    Revenue $22,914ADR $293Occ ≈ 21%4.5★ (10)

    Airbnb

  • 3 BR w/ Hot Tub, WiFi, Pool Table, Private

    Cabin · 3 bd · 2.5 ba · sleeps 10 · 0.4 mi

    • Hot tub
    • Pool
    • A/C
    • Free parking
    • +7

    Revenue $87,498ADR $338Occ ≈ 71%4.7★ (91)

    AirbnbVrboBooking

  • Gated Resort - Private Pool - Dog Friendly

    Cabin · 3 bd · 3 ba · sleeps 10 · 0.4 mi

    • Hot tub
    • Pool
    • A/C
    • Free parking
    • +7

    Revenue $112,198ADR $481Occ ≈ 64%5★ (4)

    AirbnbVrbo

  • Southern Comfort/Hot Tub/Views

    Cabin · 3 bd · 3 ba · sleeps 10 · 0.5 mi

    Revenue $69,838ADR $426Occ ≈ 45%4.8★ (44)

    Delisted

  • Dollywood-Pigeon Forge-Gatlinburg-Smokies-View!

    Cabin · 3 bd · 2.5 ba · sleeps 6 · 0.5 mi

    • Hot tub
    • Pool
    • A/C
    • Free parking
    • +6

    Revenue $77,247ADR $306Occ ≈ 69%5★ (88)

    AirbnbVrbo

  • Cozy Cabin - Fast Wifi - Gated Resort Pool/Tennis/Pickle - Game Room - Hot Tub

    Cabin · 3 bd · 2.5 ba · sleeps 6 · 0.5 mi

    Revenue $26,935ADR $387Occ ≈ 19%5★ (1)

    Delisted

  • Big Blue Ridge | Hot Tub & Mtn Views

    Cabin · 3 bd · 3.5 ba · sleeps 9 · 0.5 mi

    • Hot tub
    • Pool
    • A/C
    • Free parking
    • +6

    Revenue $103,920ADR $380Occ ≈ 75%4.8★ (50)

    AirbnbVrboBooking

  • Southern Comfort in the Smokies

    House · 3 bd · 3 ba · sleeps 10 · 0.5 mi

    Revenue $31,884ADR $313Occ ≈ 28%5★ (3)

    Airbnb

  • a beautiful view

    Cabin · 3 bd · 3 ba · sleeps 8 · 0.5 mi

    • Hot tub
    • Pool
    • A/C
    • Free parking
    • +7

    Revenue $62,659ADR $272Occ ≈ 63%4.7★ (341)

    AirbnbVrbo

Revenue and nightly rate (ADR) are trailing-12-month figures per listing. Occupancy is estimated as revenue ÷ ADR ÷ 365 and can read high when revenue includes cleaning fees.

Cash flow calculator

Financing
Management
Term

Rate 7.99% = 7.24% Freddie Mac 30-yr avg (Oct 29) + 0.75% investor premium

Est. revenue

$59,890

NOI

$34,798

Cash flow /mo

$13

Cash needed

$177,750

Cash-on-cash

0.1%

ROE (yr 1)

10.8%

Cap rate

6.6%

DSCR

1.00

Year-1 write-off

$134,058

Year-1 tax shield @ 32%

$42,899

Year-1 return on equity

  • Cash flow (annual)$160
  • Principal paydown$3,296
  • Appreciation at%$15,750
ROE10.8%

Tax savings aren't counted. Turn on “Count tax savings in returns” above if you can use the losses.

Opex, cash-needed & tax-savings breakdown

Annual operating expenses

  • Management (20% of revenue)$11,978
  • Platform fees (3% of revenue)$1,797
  • Maintenance / capex (5% of revenue)$2,995
  • Utilities & supplies$4,200
  • HOA$948
  • Property tax$25
  • Insurance (STR-rated)$3,150

Cash needed to close

  • Down payment (25%)$131,250
  • Closing costs (4.0%)$21,000
  • Furnishing (bought new)$25,500

Tax savings if the STR loophole applies

  • Tax shield @ 32%$42,899

No county tax record split for property tax, insurance rate and the land/building split, so those use market defaults — edit the price above; other assumptions match the daily feed (see tasks/plan.md).

The write-off comes from the cost segregation estimate below. Not tax advice.

Cost segregation estimate

An estimate from the listing: every part of the home is priced from national construction costs, less wear for age, and the price (less land) is spread over the parts in proportion. The headline is what a typical cost seg study would claim for this property. The answers below are optional refinements.

Depreciable basis

$446,000

Short-life (5/15-yr)

$108,000 · 24%

Year-1 deduction

$134,000

Year-1 tax shield @ 32%

$43,000

Land 15% (market default, no usable tax-record split) · building $338,000 over 39 years · new furniture $26,000

Based on: 2,300 sq ft, built 2024, 3 bd / 3.5 ba, unfurnished, listing features (deck, fence, game room, flooring types, septic, wooded lot).

Try the cost segregation calculator on any property →

IRS-guide safe-harbor floor: $86,000 in year 1 (13% short-life, $27,000 tax shield), the conservative amount following the IRS audit guide's residential classification table.

5-year property$87,700
  • Kitchen cabinetsdefault

    $10,800 new × 92% good × 1.04 allocation

    $10,300
  • Kitchen countertopsdefault

    $8,900 new × 92% good × 1.04 allocation

    $8,500
  • Decorative trimdefault

    $4,000 new × 92% good × 1.04 allocation

    $3,800
  • Mirrorsdefault

    $500 new × 83% good × 1.04 allocation

    $400
  • Shelvingdefault

    $1,200 new × 92% good × 1.04 allocation

    $1,100
  • Window coverings (23)default

    $5,800 new × 80% good × 1.04 allocation

    $4,800
  • Carpet, vinyl & laminate (100% of floors)listing

    $14,800 new × 83% good × 1.04 allocation

    $12,800
  • Kitchen & laundry equipment plumbingdefault

    $8,400 new × 96% good × 1.04 allocation

    $8,400
  • Kitchen, laundry & data equipment electricaldefault

    $5,100 new × 96% good × 1.04 allocation

    $5,100
  • Appliances (range, microwave, dishwasher, disposal, refrigerator, washer, dryer)default

    $8,100 new × 83% good × 1.04 allocation

    $7,000
  • Furniture bought newlisting

    $19,500 new × 100% good · bought separately

    $19,500
  • Game-room equipment bought newlisting

    $6,000 new × 100% good · bought separately

    $6,000
15-year land improvements$46,000
  • Paving: driveway & walks (paved)default

    $9,900 new × 92% good × 1.04 allocation

    $9,500
  • Landscaping (minimal)listing

    $4,800 new × 92% good × 1.04 allocation

    $4,600
  • Patiosdefault

    $2,300 new × 92% good × 1.04 allocation

    $2,200
  • Decks & porches (attached)listing

    $25,900 new × 90% good × 1.04 allocation

    $24,200
  • Fencinglisting

    $6,000 new × 90% good × 1.04 allocation

    $5,600
Building, 39-year$338,100
  • Structure: foundation, framing, walls, windows, doors, roof, interior finishesdefault

    $249,700 new × 97% good × 1.04 allocation

    $250,300
  • Building plumbing & fixturesdefault

    $25,900 new × 96% good × 1.04 allocation

    $25,800
  • Building electrical & lightingdefault

    $26,400 new × 96% good × 1.04 allocation

    $26,300
  • HVACdefault

    $25,900 new × 90% good × 1.04 allocation

    $24,200
  • Septic systemlisting

    $12,000 new × 92% good × 1.04 allocation

    $11,500

About the property

Depreciation schedule: typical cost seg study

Year5-yr15-yrBuildingTotal
1$87,700$46,000$400$134,100
2$0$0$8,700$8,700
3$0$0$8,700$8,700
4$0$0$8,700$8,700
5$0$0$8,700$8,700
6+$0$0$303,000$303,000
Total$87,700$46,000$338,100$471,800

Model-based estimate, not an engineered cost segregation study. The IRS doesn’t approve studies; get a professional study before filing. Using these losses against W-2 income needs the short-term rental exception (average stay ≤7 days + material participation). The 39-year building life applies because stays average under 30 days, a separate test (27.5 years for a long-term rental). Federal only: California, Georgia and Wisconsin disallow bonus depreciation, Ohio adds back 5/6 of it, and Tennessee has no personal income tax. Not tax advice.

Market note

STR allowed in most of Sevier County; inside Gatlinburg city limits only in overnight-rental zones.